The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$13,789
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,218
−HK$436/mo
Today · 4.125%
HK$14,654
baseline
▲ 0.50% · 4.625%
HK$15,546
+HK$892/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,308/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,341
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,752
−HK$417/mo
Today · 4.125%
HK$16,169
baseline
▲ 0.50% · 4.625%
HK$17,022
+HK$853/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,338/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$139,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,547
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,062
−HK$523/mo
Today · 4.125%
HK$17,585
baseline
▲ 0.50% · 4.625%
HK$18,655
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,170/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,409
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,902
−HK$501/mo
Today · 4.125%
HK$19,403
baseline
▲ 0.50% · 4.625%
HK$20,426
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,806/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$139,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,305
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,906
−HK$610/mo
Today · 4.125%
HK$20,516
baseline
▲ 0.50% · 4.625%
HK$21,764
+HK$1,248/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$41,032/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,477
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,053
−HK$584/mo
Today · 4.125%
HK$22,637
baseline
▲ 0.50% · 4.625%
HK$23,830
+HK$1,193/mo
Deposit HK$1.81M · loan HK$4.23M · min. income ≈ HK$45,274/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$139,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,821
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,593
−HK$785/mo
Today · 4.125%
HK$26,378
baseline
▲ 0.50% · 4.625%
HK$27,983
+HK$1,605/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$52,756/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,613
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,354
−HK$751/mo
Today · 4.125%
HK$29,105
baseline
▲ 0.50% · 4.625%
HK$30,639
+HK$1,534/mo
Deposit HK$605K · loan HK$5.44M · min. income ≈ HK$58,210/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$139,733 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).